EFT

No-Arrival2149

This is a leveraged ETF and seems to have a very good risk/return ratio for an EFT. I am considering buying some call options on AGQ, but the spread is too wide for me.

CascadianSP

0.50%. - Investment Wine 0.75% - Private credit 1.00%. - Physical gold 1.75%. - Physical silver 3.00%. - HYSA 5.00%. - Private equity 8.00%. - 30 or 90 day treasuries 15.00% - International holdings 15.00%.- Growth focused ETF (Domestic) 50.00% - Broad Index EFT

Ghostdean

I am bearish for 11/25/25 based on my correlations analysis between HYG (High Yield Bond EFT) and SPY (S&P 500 ETF). Here is one year's worth of data up to the market close on 11/24/25. SPY is overvalued by approximately 1.25%. Here is the video explaining it: [https://www.youtube.com/watch?v=ut6Cc2AtWDY](https://www.youtube.com/watch?v=ut6Cc2AtWDY)

Wargamer_Stocks2Win

Learn how to hedge. Try buying a reverse ETF. This category of ETFs post positive gains when the market is tanking. I bought a couple thousand shares when the market started crashing and make $3k (still holding). This market is gonna have a lot of volatility and negative days will probably outnumber short term positive gains. The SQQQ is a reverse EFT that folks use all time to play the short side. This just one example of how to play the dark side but there are others where you get better “bang for your buck” regarding leverage. If this is the start of a 25-40% correction, expect the downturn to last 12-18 months. Don’t get caught in the death spiral.

PaperHandsTheDip

**> I am not in options (yet) I just own shares.** Don't get into options. They're an incredibly complex instrument that 99/100 people lose money with. Something like 92% of active investors underperform a buy & hold strategy. People trading options underperform even worse. **> I am mid 20s I have been working since I was 13.** So you're young, can hold thru volatility. Do that. **> This year lost most of my life savings due to a cross country move and the gd grocery prices rising every hour.** If $20 loss is stressing you out, you shouldn't be investing. Buy and walk away for 10+ years is how you should treat it if new. **> This community is already 10x better than the other I have looked in. No one has called me a slur yet.** I assume you were on wallstreetbets or another sub. Those ones are for gambling, not investing. Majority of people there (and here to be honest) lose money. The raw numbers show **> I am holding shares in VTI, VOOG, QQQ, and had money ready to go into an energy sector specific EFT then a Dow eft.** Just buy and hold these. You're trying to time that market.

Agamer47

Try going with FENY its at 25 dollars right noe and the expense ratio is 0.08 percent. Im not an expert but that looks like the best place for an Energy EFT.

Leather_Sherbert_570

Noobie EFT question: Opened a brokerage (varies holdings) and invested 6K in gold ETF a month ago. Current gain is ~$200. This is kind of a hypothetical question and im just trying to learn not game the system, but would it be silly If I cashed out and then immediately reinvested the funds(now $6200) into the same ETFs? Pros/cons? Am I understanding this concept correctly as though it could be compounding interest from a CD?

cgtx_stock

Tell me how EFT will help. Its a lot of money to recover… i am in the same shoes, even today was a bright day

Various_Couple_764

Most of the adds you see on TV are mostly about convincing you to buy and invest in gold. No about gold bing a good investment there are 3 basic ways to buy gold and silver: * Invest in companies that mine gold * Use a company or ETF that buys and sells gold. you buy a shar of the EFT and they buy gold and put it in vault. The you sell the shares they charge a fee sell the gold and give you the money,. * Buy a ETF athat uses covered calls to convert the pricevolatilitty of gold into a cash dividend. IGLD and IAUI are tow I know about.

Mindless-Anybody-438

I have had the same thing happen.  I have decided I want to go after Pathward under the EFT Act.  I am going to write a letter to their registered agent located in Delaware.  I wish everyone would do this to inundate Pathward.  I will give them 10 days to respond.  I have already filed reports with local law enforcement and FBI, and all the others.  TreasuryDirect is not going to do anything for us and is stating to everyone basically it is your fault since you did not have adequate security on your account.  My I bond funds were moved out of my account after it was frozen.  Basically how can you do anything with the account when you are frozen out of it with T 13 administrative hold.  I have decided in a couple weeks I will speak with an attorney who specializes in this area.  I had a letter generated with a case number in October I can't even get TreasuryDirect to even email me the letter. 

Early_Tear4827

There's actually an EFT that matches the congress's stock picks. Amazingly it works

KkatT1o1

I bought a 2x inverse EFT back in March (TSLQ). I'm down 85%, I strongly do not recommend. I hate Elon and think TSLA is over valued but next time I might buy TSLA because I've learned my lesson, tesla stock defies logic and is backed by billionaires, it's not going down.

InsuranceExpensive91

real question can I get an EFT that doesn't have the mag 7... I want the 493 S&P...or even better the S&P without exposure to the AI shit

mrbbku

Buying broad EFT and not panicing when everyone yells "Bubble!" is a meaningless exercise?

RayU_AZ

Many 5 years of 20 stocks. I was a ETF guy before, VONG, SOXX, ARKK, XBI, etc... But my returns have been higher with stocks over the last 5 years. But sometimes when I can't decide which semi-conductor company to buy, Sometimes they all look good, then I just park my money into a EFT, SOXX or SMH to own them all.

reed0439

EFT and IRA are constant flow of money in this small market Of course,the price are going to rise

No-Friendship8546

I went to the dark side about 10 days ago. Moved some $ into an inverse 3x ETF. Annual range of this ETF was $7.60 to $25. Up about $10k in two weeks. EFT closed at $8 for the week. What’s interesting about this trade is that if history repeats itself and the stock mirrors last year’s results of a high of $25, it will return a gross profit of $250k+ If I get greedy and add more shares to my position or the stock goes into the 30’s, the potential reward will climb significantly. I like this trade a lot because our president is trashing our economy and this trade thrives on negative sentiment/stimulus. There’s a variety of negative ticker symbols available for people to choose from like SQQQ etc but I choose mine because the cost of entry is minimal, and even without the “trump” effect, the market is definitely biased against a long position.

Leading_World_3813

Keep doing what you’re doing, compounded 60% gains in 15 months that works out to 6.25% each month, but minimize losses. Rebalance and adjust your trading playbook frequently. Focus on the math! You need 150% gains or 58%/annual (4.5%/month) compounded gains. Stay with stock/EFT, etc. you like to reduce emotional selling pressure. I think 58% compounded per year consistently is extremely difficult requiring speculative approaches with high failure probability. Try monthly compounding targeting 4.5% gains through frequent trading and reinvestment of profits. 4.5% was my September’s gain. My goal was 20%/compounded 21.94% annual but last month I traded on my P&L on tech stocks hypes, deep ITM CSPs and always closed early to lock in gains on stocks I didn’t mind holding. I don’t expect a repeat so I’m back to trading OTM’s now.

Plenty_Homework17

SPY to be included in MEME EFT

hiloai

Investing monthly is great. Put the majority of it in an EFT and relax.

baldlob

I would put some in a Teck EFT like IYW. ISHARES US TECHNOLOGY ETF IYW. It covers a lot of the major companies

phantasm42

If you ever plan on depositing money through EFT or RDC then Schwab all the way. Fidelity was super shady last year with the overnight “everyone has a 15 business day wait for funds availability” fiasco. Then is became a game of having to push not pull funds through Fidelity. In all this craziness they never considered account tenure or portfolio size. Didn’t matter if you had $10 or $10M, still the same treatment. Personally, I will never trust Fidelity for immediate access to funds again. Schwab you are more likely to get immediate access to funds within hours vs days with Fidelity. While you don’t have an equivalent CMA / sweep account, you do get a full fledged bank account. Is Schwab perfect, no; no bank is but for the important bits they are pretty good.

beIIe-and-sebastian

You have the most valuable resource of all: Time. You have several decades of time and compounding on your side. You shouldn't be overwhelmed, and certainly shouldn't be stressed about learning and understanding the market. My advice is to simply not 'trade' at all. At least not up for a few years. Just set an investment schedule into a global or S&P500 EFT for the next few years. Meanwhile keep reading and learning, then maybe start making your own decisions on individual stocks.

Grettenpondus

What would, in practice, be the difference for me as an investor holding a leveraged EFT and a futures contract with similar exposure?

No-Consequence-8768

Go with the EFT!!! Put all your money in EFT Fidelity ABA 822456Z12 Acct: P603831155 TY

human_debugger

@[Pdizzle0303](https://www.reddit.com/user/Pdizzle0303/) Thanks for posting this. I learned about UPSX from your post. But I dug into the ETF description and now think that this EFT is not a good play to capture UPST's long-term upside. This EFT is what's called a daily-reset EFT. It tracks intraday performs closely, but not long term performance. In the prospectus (https://www.tradretfs.com/hubfs/UPSX/SUMMARY%20PRO%20UPSX.pdf?hsLang=en), there is a page showing the return of UPSX for different returns of UPST at various 1-year volatility rates. In the past year, UPST's 1-year volatility rate was > 100%. So that's a huge risk. https://preview.redd.it/xo43ny6hafsf1.png?width=1778&format=png&auto=webp&s=e267c9196f870657446223c62c00060cdb5e8c5e Holding UPSX long term can be a losing proposition due to "volatility drag". In other words, if UPST rises +60% smoothly (e.g. a steady upward trend), UPSX would do fantastically—close to +120%. But if UPST is volatile—swinging up and down around the trend—UPSX can get dragged down badly. This is because: * On down days, UPSX loses **2× as much**. * On the following up days, UPSX is compounding from a **smaller base**. * High volatility + leverage = erosion of value over time, even if the asset trends upward. # 3. Example Walkthrough Let’s say UPST goes like this over four days: * Day 1: +10% → UPST = 110, UPSX = 120 (2× daily) * Day 2: −9% → UPST ≈ 100.1, UPSX = 96. (Notice: UPST is nearly flat, but UPSX has dropped below 100!) * Day 3: +10% → UPST ≈ 110, UPSX = 115. * Day 4: −9% → UPST ≈ 100.1 again, UPSX = 93. Result: * UPST = roughly unchanged (0%). * UPSX = down −7%. That’s **volatility decay** in action. Scale this effect over a year with **50–100% volatility**, and the drag can overwhelm even a strong +60% annual move in UPST.

bushed_

You could do smaller sums at a couple banks, wait a bit, and then do a EFT to the one you actually want it all at Good luck dodging mr tax man

megabyzus

Put the money in a HYSA or better invest in SGOV which is an EFT where it invests in 0-3 month Treasuries with auto rollover. So no state tax. It's currently at a bit above or below 4% return. Also liquid.

SeaPossibility6106

Are EFT's the same as mutual funds? If so I do have the majority of my assets within mutual funds! It just tends to get so little kickback. That's why I started into dividends but only for value stocks which for canada banks tend to be very secure long term. I think the LEU is me trying to branch out a bit. But what I am finding from the comments is I have very little knowledge in this area and need to reach out to an investor before proceeding further. There's a lot of research and unknowns for me right now and I don't feel comfortable with doing direct investing.

DotRevolutionary6610

What's an EFT

FeelTheKetasy

Thanks for the advice! Do you think that MSCI is a better choice than investing in a global EFT?

FeelTheKetasy

Thanks for the advice. Would a global EFT be better than an EFT that only focuses on developed markets like MSCI?

todays_tom_soy_

If you're interested in investing in companies that are more aligned with your values, there are various mutual funds + ETFs that are available (e.g., VEGN: "US Vegan Climate EFT"). Be careful about overly restrictive funds (whose focus may be too narrow to produce the steady gains typical of broad index funds) or funds that have unreasonably high annual fees. Many of these funds aren't going to make as much financial sense as the broader funds that track the S&P 500 or the whole market (e.g., VTSAX). If you're worried about the practices of particular investment companies, it's helpful to look into past lawsuits that have been filed against them. I like Vanguard, which made its reputation in part by offering certain investments with especially low fees, changing the industry in the process, and the company is technically owned by its customers. No company will be perfect, though. Beware of investments that serve the interests of the company much more than those of the investor. Some annuities arguably fall into this category, for example.

Difficult_Drive6289

Would you buy an EFT that tracks the S&P500 right now, at ATH? Knowing my luck, I'd buy and tomorrow it caves 5%...

McBriGuy105

I have two EFT’s. One Euro (VGK) one US (VTI). VGK is up 24.86% YTD. VTI is up 8.42% YTD. Reddit might have been right on that one.

hatt730

UK based. I'm 25. Never invested before. No husband, no kids, no expenses. I currently have 23k savings. I take home 25k, I have student debt but that's apart of my payslip anyways and I have no real other expenses (I don't pay rent or car insurance). I want to spend 500-800 a month on an EFT or stock, any advice? I've considered using Etoro and Invest Engine but not sure, and also considering IWDA for 80% and EMIM for 20%.

PlateFunny684

Please for the love of all that is Holy sell 20% and put it into an EFT for long term wealth.

AllCapNoBrake

JP set the speech time to 10a edt to give buttcoin EFT holders one last opportunity to sell that fake internet money for real dollars. King. https://preview.redd.it/2exqgmcpakkf1.png?width=1117&format=png&auto=webp&s=f51a591c8891a81e498d49dbd9d1757e9a380987

MikuEmpowered

You still dont understand why crypto is only sound on paper. The reason stonks go up, is because the underlying portion of the COMPANY has increased in value. Things like EFT and securities share the same underlying principle of having actual tangible asset. What does crypto provide? We will gladly make money off of it, but behind the extremely high monetary amount, there is 0 value provided or increased. In fact, the only reason for its increase is because more people wanted, and its artificial scarcity. If tomorrow, the owner of most of bitcoin released all his holding, the price of it will crash overnight. The only "real" value of crypto is the decentralized nature of it. But here lies the problem: without a overarching authority who has massive power to guarantee its values, it might as well be snake oil. Crypto is arguably the next evolution of national fiat currency, due to the increasing digitalization of everything, but because its rather "uncontrollable nature", no country currently will ever push for it as their currency's replacement.

mamms57

Would all this advice be the same for me with my situation? I’m able to buy my company stock at a 10% discount….I work for HCA Healthcare. Would i be better off to sell my stock and re-invest into an EFT instead of keeping it with the brokerage associated with the stock purchase?

Acceptable-Drama-684

A different perspective and path: You are not the only one feeling overwhelmed and sooo far behind. Sometimes hearing all of the wild success stories on platforms from young people with millions or hundreds of thousands makes you feel very defeated and like you’re doing something wrong. I’m new to this platform - Trying to learn everything I can about investing for retirement. Very late to the party. I’m 54f. Married young. No college education. Got divorced at 37 with 2 kids and $20,000 in savings. Bought my little cape cod house with a 6.75% interest rate in 2008 and simultaneously lost my job… Child support was a joke, covered maybe half the cost of daycare so I could work. The job market was BEYOND ROUGH in 2008. Took a year to even find a job, any job, and scraped by using that $20k. Worked my butt off 50-75 hours a week for 15 years just to keep a roof over our heads. My company did not have a401k until 2 years before I left that job in 2023. I was raised on the “cash is king” mentality, and never felt like I had an extra dime to start an IRA and just creating rainy day savings took years. I wish that I would have been taught differently about finances or took the time to better educate myself. I’ve always been great with money. Have never carried credit cards balances. Bills always paid on time even if it left little money for food and other expenses. 840 credit score. Because I wasn’t raised with an investing mentality and being taught the importance of compounding even when you start with very little, I took a different route. I paid off my 30 yr mortgage in 12 yrs. I drive a 2017 car that I bought in 2020 with 20k miles on it. Paid it off in less than a year. Maxed out my 401k contributions for 3 calendar yrs (2 total years from May 2021 to May 2023). It was only when I got to the point of having my house paid off that I began to feel financially secure. (I now know it would have been better to invest with better% return than my mortgage rate). But regardless, That’s how I was able to max out my 401(k) contributions and really start saving. Left that job due to health reasons in 2023 with a 30k 401k that I converted into a rollover IRA at Fidelity and about 50k in cash. I haven’t worked for 2 years to focus on some health issues and things are rough. But my IRA is now at 48k. Money market account started 15 months ago with 20k is now about 40k. I will hit retirement with very little of what will be needed and that terrifies me. But here’s the thing: even though I am terrified about my future financially, and wish that I would have taken an investing route earlier, I am also very, very blessed. I live within or below my means and I’m very grateful for what I have and proud of what I have accomplished. We all take very different paths. Life is full of curveballs. You are under 40 and still have lots of time to save for the future. That 20k will grow quicker than you think. As others have said, stay away from options and invest in EFT‘s or companies with great fundamentals. Slow and steady almost always wins the race. It’s hard not to chase the big plays to “catch up” to where you should be at this stage of life. But it’s not worth the risks IMO. Use a retirement calculator to help you determine how much you need to save for retirement and always contribute the max allowed if able to. You will be fine!!

PenguinAreCake

You think EFT’s lock you in at 7%? Real ones get the best of both worlds, diversify enough to hold steady gains and mitigate losses, keeping 90% port in ETF’s (at more than 7%, we’re bullish) Keep 10% port available for short term plays to prevent getting itchy fingers and yoloing the whole port

PenguinAreCake

It’s something to start with, but you’re nowhere near as diversified as you want to be for a 20 year horizon / long term investment. You want to globalise / diversify investments, take the FTSE World and invest in the market as a whole, providing capitalism doesn’t fail, it will grow. And take some emerging markets EFT. You’re basically just going 80% into tech / America.

OutrageousRow4631

I remembered the 2008 crash. When it happened, we just thought a brand new 2 bedroom apt for 400k with 20 k down payment. Within the year, we were in the negatives as the apt lose 10 percent of its value. But that did not bother us, we just paid our mortgage, contribute to RRSP, and we chipped away slowly. The market rebound slowly and we sold the 2 bed for 800k then bought a townhouse. We now have 380k in stocks, all in RRSP, and yes, I hold lots of Nvdia. I understand that the market will eventually crash, but since I hold all my stocks in RRSP, I am not too concerned about them as I am 18 years from 65. I am working on only buying EFT moving forward, but I know I got here because of Netflix, Microsoft, Apple, Tesla, and Nvidia. As I age, i need to diversify my holdings. Anyhow, a crash happens when the market needs to reset. I will always be an investor and I am working on minimizing my urge to gamble ( I like to pick one and keep buying when it dips, and yes, this is gambling). Thank you for asking this question as it helped me to assess my strategy.

retrostarshop

I ve got 35% gold, 20% stocks and 45% EFT. I quite like the hedge gold offers me.

maparo

thank you man, really appreciate the congrats! yeah once all of the dust settles, I will for sure start hammering away back at the HYSA (for a 6 month emergency fund) and then start their 529, and then hopefully start getting back into the Stock/Crypto/EFT game, but feel good about selling my crypto & stocks right now at ATHs (for most of them) and turning it into something REAL that my family can live in and enjoy.

Boston-Bets

But then you don't get the DISTRIBUTIONS, unless the shares fall and you get assigned the EFT shares, right?

Astronaut-Proof

EFT? You belong here

Cruz_Games

Something safe like an EFT

roberttootall

look at the EFT XOVR it includes some private equity

Fantastic_Escape_101

Right it was a typo. I know they both track S&P 500 and one is EFT the other is mutual fund, but still, I’d need to choose one or the other.

junk90731

Microsoft, through out the decades they have lead or adapted or failed and got out, adjust, pivot. The company itself is like an EFT, as in lots of diverse services and products across business, consumer, hardware and software. Take a look at Meta and Google and what percentage of their income is advertising. They basically depend on company's to pay them to advertise and use the data you give them. Microsoft has Azure, Office, Xbox, Windows, Surface, Git, they are so spread out in so many sections. Azure is crazy awesome what they have done and offer.

MikuEmpowered

More people want the stock than supply, number goes up because supply cannot meet demand. PE metric only makes sense when the supply and demand are equal. What most people don't think about is that every fking new ETF that's stood up means more money poured in to buy the stock. Sure, you're not buying individual stocks. But EFT arnt actually money printers. They hold actual stocks.

Most-Ad-9411

Canadian new to investing. Being a student in my early 20's I don't have a lot of disposable income. This being said I have pledged to invest a minimum of $300 per month. Before doing any proper research I chucked a couple hundred dollars into VGRO and ZEQT as my bank offered no commission fee's on each. After doing a bit of research I now understand that there is quite a bit of overlap between the two EFT's and I would be better off to just stick with one. My question now is; given my \~$300/m allocation to my investments should I just put all my money into one EFT like VGRO or ZEQT, or should I spread this money out. Any advice is appreciated, just looking for some starting points as all this is new and quite confusing.

Key-Green6847

This is very helpful! It confirms my gut feeling about what would be the right ‘order’ to put my saved/to save money towards. Question about the EFT, does the exchange rate between euro and dollar affect you much? Or is it that when you hold long enough the changes in rate don’t really affect you?

FalcorDD

Some of us do know what we are talking about. You just need to have some semblance of knowledge to grasp basic concepts. If you come in knowing absolutely nothing and buying .04 shares of an EFT, we can’t really help you.

marmar1011

Educate yourself with trading options , you have made alot of mistakes investing to much money , without having your ducks in a roll. Your emergency fund isn't set up. Your in FOMO took you down. You hopefully learned from this. Rethink cashing in that 401k. That will hurt you in the long run. Go to the library and grad some investment books. Look into investing in EFT and reinvest those dividends. Buy stocks low and sell high. You will survive.

Tini-

There’s no profit until the EFT is complete

eciecips

The fact that you went all in on NVDA at a market high then asked advice on Reddit shows indicates that you need to understand investment more before you make big plays (for you), before you end up losing all your money. My suggestion would be to sell 90% at the first green opportunity, place 90% in an EFT keep 5% cash for other investment opportunities or dips, then DCA a 50/50 split of your investment usable income into the EFT/NVDA, rebalanced once every year, read books, make small plays don't screw yourself.

SnooMacarons3152

Decent EFT as well, great call out

fifichanx

It’s easy to automatically invest each month. I have some fidelity funds that are zero expense or have lower expenses than EFT equivalent.

InsideEditor9980

why buy GOOG when you can get better return from an EFT?

asher030

An EFT, will pay out annually akin to dividends, but the payout is absolutely abysmal on SPY, and you brag about the most minuscule gain for that value of owned stock? Well good for you I suppose...

techaaron

> there is nowhere else for your cash to go in reality. Adjacent, but this is a really interesting commentary on the collapse of small business and wealth being gobbled up by billionaire multinationals and private equity. So much money from small time investors has left small businesses and gone into institutional EFT or whatever. Even real estate investment got harder once the Big Guys came in. A guided age basically.

debbiewith2

No one above the MAGI can deposit into their Roth IRA with EFT, a handwritten check, or direct deposit from their paycheck into their brokerage account’s Roth IRA. I’m still not following what “gotcha” you’re worried about.

mspe1960

SGOV is good, but it is not quite as liquid as a MM fund or HYSA. You cannot write a check against it or send an EFT. You have to sell and wait for funds to clear, which is not always same day.

icecreamkiller72

Looking for feedback and advice on my portfolio - I have a standing order to invest each month with the following ratios. I've been investing for 4 years on individual stocks and done positively (121% gain overall). Now looking to build a longer term portfolio to hold. 30, employed (Director Customer Success), UK based, 20% into pensions (including company contribution), own my home (with morgage) and I'm investing into a stocks and shares ISA, planning to hold for foreseeable/long term. Would like a spread of low risk for the bulk, with some riskier individual investments to drive potential growth. Any feedback welcomed! FTSE All World EFT Acc - 51% Nvidia - 10% AMD - 6% Super Micro Computer- 5% EasyJet - 6% Micron Technology - 5% Plantir - 5% Rolls-Royce - 6% Barclays - 6%

Cal_carl

If you really want to be "hands off" then putt 100% in a S&P 500 EFT. If you want to be engaged, put 80% in index EFTs and 20% in whatever you like. Engage daily with the 20%.

Brilliant_Essay8151

Do you have an opinion on holding LEAPs? Particularly for an EFT, 2+ yeas out.

DorianSoundscapes

I mean you kind of have to put real world ethics aside when investing if the goal is profit/growth. There are some companies I just can’t stomach viscerally, but I still get exposed to them through index funds and ETFs. But I’m surely the Snidely Whiplash EFT would probably be a banger, if it were 3x leveraged I’d eat it up. 😂😂😂

Able-Ad-3225

What’s wrong with a decent EFT to build on Everyone starts with something at least he’s trying. And over time it builds.

IrishCrnjo

With the way the market has been recently yes. Just take a look at the performance of an EFT like VOOG. 17.5% over the last 12 months. You can make bigger returns trading individual stocks, and doing things like call options. But it's riskier too. You may or may not outperform the index. But if you're good at it, you most likely will. I have most of my retirement in indexes, but set aside about 20% to make higher risk/higher yield moves.

IrishCrnjo

With the way the market has been recently yes. Just take a look at the performance of an EFT like VOOG. 17.5% over the last 12 months. You can make bigger returns trading individual stocks, and doing things like call options. But it's riskier too. You may or may not outperform the index. But if you're good at it, you most likely will. I have most of my retirement in indexes, but set aside about 20% to make higher risk/higher yield moves.

IrishCrnjo

Yuck. With the way the stock market is right now, you stick your money in a S&P500 index. Look at VOOG for example, Vanguard's S&P500 index EFT. It earned almost 5% last month alone.

BeKindToOthersOK

EFT?

InvestIntrest

I've noticed that Reddits consensus plays are usually garbage, particularly when political partisanship is at play. I was telling everyone to buy the dips and getting downvoted. If you truly think America is an oligarchy, then you should have faith that those in charge won't do anything that actually tanks the market. I think we need an inverse Reddit EFT.

InvestingMonkeys

Apple is actually down overall (since 2024) and is trading sideways now. It's gone up in the past week but down over the month. And as of Friday, are being sued by shareholders for allegedly overstating AI progress. Tesla is a volatile stock and can be down as quick as it goes up so you need to set a stop loss or have a plan to sell should that happen. Being new, I'd recommend you look at EFT's instead of individual stocks. That way you will own all these companies as well, but you will reduce your risk.

G4M35

Rule of thumb for investing in equity (either direct stoks or EFT) has always been 5 years or longer, in the present socio-political-econimic climate I'd say it's ~10 years or longer, so OP question doesn't make any sense.

G4M35

> The Fund provides investors with enhanced yield from exposure to a portfolio of companies classified as “technology” on the Nasdaq 100 Index®. Enhanced yield is generated by utilizing an active covered call strategy on up to 50% of the portfolio. Covered call options have the potential to provide extra income and help hedge long stock positions. Did you research this EFT before investing in it? Did you understand what it does and how it does it?

dws2384

The last 10 years (and especially 5) have provided almost everyone accessibility to low fee self managed trading accounts and EFT’s. There’s a lot more money constantly flowing in as people passively invest in SPY or VOO for retirement and aren’t actively trading. It also makes for easy investment around the world. I’m Canadian and prior to these things a lot of banks or investment firms here would steer us into mutual funds and or stocks more weighted to Canadian business. I pulled them all maybe 7 years ago and just passively put my money into the S&P

WOPR1983

My 2 cents. Based on a very old book If It Doesn't Go Up, Don't Buy It, the recommendation I would give if you are spending this kind of money is 1) check out this book and 2) spend this same annual money on FundX newsletter. It's very precise - basically what is top ten in Class 1, 2, 3, and 4 investments - EFT, Mutuals the only thing it doesn't have is Index. Every year since I started in 2018 this newsletter was my guide for the 5-6 funds I would use in my portfolio.

slophoto

And if said EFT doesn't give 8% return? Not a good idea.

Stonkasaurus1

Best advice I can give you is put 90% of your money in an EFT like SPY. Take the remaining 10% and learn to gamble on penny stocks. You will quickly learn why you put most of your funds in the ETF. Most people lose money on penny stocks because most think they will be the next nvda or tsla. They won't be. Plan your trades, in at x, out at y or z.

Spare_Clerk_2112

Investing isn’t for everyone and if you can’t see negative $20,000 then go back to doing something else and forget then you’re not built for investing. Everything goes red before green unless you get super lucky it’s just part of the grind is to out wait the lows or keep buying in lows to off set where you bought a little high. Investing isn’t great if you can afford the risk and have the right mentality but if you can’t just stick to EFT funds there’s plenty of money to be made even in the kiddy pool.

IDreamtIwokeUp

By being paid cash, does this mean you're avoiding taxes? You don't have to answer that... Obviously you don't want to do this. If you or the company gets audited, they will look at the bank statements and ask why incoming credits don't correlate with tax filings. If you already pay little or not tax and are in a higher income zipcode, this will increase your likelyhood of an audit. I highly recommend insisting on getting paid above-the-table. This way you will get access to unemployment benefits, medicare, social security, and you will get earned income tax credits. Plus you don't have to IRS interest penalties (and possibly avoid jail time). Lastly you can only invest in a roth (and other iras) if you have earned income. But...if you want to invest, obviously you don't have to use an IRA...you can use a simple cash account. Just open a brokerage account (eg Fidelity). Link their brokerage account to your bank account. You can then send money to Fidelity and invest in your main account. If you get earned income, you can easily add an IRA later. Fidelity provides good tech support on this. But...to get your cash into a brokerage, you would have to get it into a bank first. And if you're being paid under the table...this puts you on the radar for the IRS. Again the best solution would be to insist on getting properly paid and getting proper tax statements. It should be noted that 22 year olds rarely should be investing heavily in stocks. Typically at 22 you want to invest in a home, a better career, education, and/or paying off debt. Stock investing is sort of dessert. If you don't know what you're doing start with generic stock EFT's or index funds. Only invest in individual stocks if you do a ton of research.

GhostsinGlass

We were holding two bags, had seventy-five shares of Microsoft, five puts on an inverse EFT, a shoebox full of silver coins and whole galaxy of other regarded positions, calls, puts, straddles, laughing spanish man, and also a bottle of Brawndo, a bottle of piss, a well used poopsock, a couple buttcoins and two dozen monitors. Not that we needed all of that for the market, but once you're locked into a serious port the tendency is to push it as far as you can.

AnotherBoojum

Since early may. I'm 36 but looking at buying a house. He told me to sell my position to avoid a 20% shift in either direction when the EFT was trading a bit over $47 after dropping off $52. It's recovered since then, and I'm expecting another rise between now and when it's time to buy. The issue is that advisors are generalists, (the same guy scared me out of what would've been a very lucrative short position, on a compant in my industry) and often conservative. When Im disinterested in the details and want general advice, sure I'll go to him and DCA. But every so often I'll get a hyperfocus on one area and research the shit out of it, at which point I trust me not him. Everyone has their own style, and I get enjoyment out of mine. I'm not always making the money the meme-stock bros are, but I've still stayed just in front of the market on a prediction I made 10 years ago.

Masteroftherain

Very few people are good at day trading. Invest your money wisely, so that 10 years down the line you’ve got a nice chunk of change sat in a EFT or something. You aren’t going to make back that 3,500 doing the same thing you’ve been doing, I promise. Just cut your losses and start building wealth for the long term.

Cheese602

I buy and hold every stock, EFT and crypto possible.

AICHEngineer

Weird, transfers from brokerage to bank and bank to brokerage (EFT electronic fund transfers) take 1 day for me at fidelity. Are you sure this wasnt your first time connecting? Even my first time only took a few days.

HighCirrus

1) The analysis, while correct, failed to include MARKET sentiment, which can stay irrational longer than most of us can stay solvent. 2) Consider the mechanics of the TSLQ EFT, which is not designed for longer term holds. 3) Elon has pulled more rabbits out of more hats than anyone alive, not a great idea to bet the house against him.

Mental-Hedgehog-4426

You’re 22! Put that in a SPY EFT abs then put $200-$300 month into it until you get a well paying job, then bump it to $1000. If you do that, you’ll retire at 60 with around $3.5-$4m in your account. You won’t be Bentley rich, but you’ll be comfortable AF.

Organic_Morning_5051

>0.17% expense ratio for an international fund in 2000-2010 is *very* good. It’s disingenuous to call it “thrice as high”. It wasn't just "very good". . . It was the only option. The whole point is that the frictions, transactions costs and options we have today we're really as readily available. Even the now understood, "start investing with a dollar!" thing wasn't the case in the past. I don't know if you were around then but the minimums to get in were prohibitive. You needed several thousand dollars to just enter the mutual fund. Obviously you can buy fractional shares for a few cents with the EFT now. I feel like we're just talking past one another at this point.

S8-CASH-HOMIE

Maybe I didn’t specify very well. Wall Street & FED want recession. They prefer the tax payers to bail them out and blame Trump for everything. Which to be fair Trump in his first term contributed to all this Wall Street fraud plenty. Trump is possible one of the dumbest people on the planet. He Trump he think lower interest rates GOOOOD. High interest rates BAAAAAD. That’s literally how that numb nuts thinks. He has no idea what’s happening in the market at any time ever. He has no idea his low rates plan will lead to hyper inflation. It does appear someone has given him the impression destroying the dollar & losing the worlds leading currency reserve status is a good idea. I think there’s a push to move to crypto so they can take the power from the FED & start committing massive fraud through crypto. Which they’ve already been doing since he’s been in office with his shit coins. I’m a day trader. I short the market through EFT’s on the way down mostly the semiconductor market, & Tesla. I day trade HIMS, GME, ASTS, PLTR, OKLO, CHWY, RKLB, mostly. Things change constantly and so does my portfolio. I do not play options. I only buy and sell stocks.

TennisEcstatic594

Yeah right. You just conveniently never talk about how your DJIA EFT was up 60+% under Trump 1. Oh wait, you didn’t have the foresight to short the market due to those stupid, idiotic tariffs???

throw-away-doh

The total value of assest often mistakenly attributed to Blackrock is $11.55 trillion. But that is AUM (Assets Under Management). Its not their money. Its the money of people who have accounts with Blackrock. Blackrock is not free to do with it as it pleases, they (for the most part) have to follow the investment instructions of its customers. e.g. if you have an account with Blackrock, you transfer 1M USD to the account and instruct them to buy 1M USD of a particular ETF, that is not Blackrocks money. If black rock fails the shares in the EFT still exist. Those shares are held by the custodian, you don't lose anything.

RampantPrototyping

> It is my opinion that stocks & US treasuries are moving in the exact same directions due to a liquidity crisis. It's easier to sell your stock winners first, than your US Treasuries next when you need cash. You sell your losing stocks and/or index EFT's last when you have no more choices to raise cash. Moving down though right? Im not sure what stocks and bonds moving up simultaneously fortells

drew-gen-x

No clue. But I am finally in the green today on my $TLT position, I feel more confident on interest rates continuing to fall over the $SPY breaking above 545 in this current market. It is my opinion that stocks & US treasuries are moving in the exact same directions due to a liquidity crisis. It's easier to sell your stock winners first, than your US Treasuries next when you need cash. You sell your losing stocks and/or index EFT's last when you have no more choices to raise cash.

Appalled23

Thanks for your story. I started down a similar road a few weeks ago, shorting things like a consumer discretionary EFT, vacation stuff, etc, with the idea that the economy is going to crash and non-essential spending is going to dry up. That may still prove to be true, but the market went against me shortly after I entered it and I got out with (small) losses. I conclude that one's thesis may prove to be right, but nobody knows when.

Sunpurpleshine

I saw gold went down today I think. Do you just expect it to come back up? I guess if the market goes down then yes hold up. How do you buy your gold in an EFT?